Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$69,844Cash toward the purchase price.
Closing costs + prepaids$13,320Not just lender fees.
Before credits & paid funds$83,164The complete starting cash picture.
Estimated remaining funds due at closing
$83,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,843.99
Your down payment$69,843.99
Closing costs + prepaids$13,319.81
Total buyer cash needed$83,163.80
Remaining funds due$83,163.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$644.75
Initial HOA (3 months)$189.00
Prepaid interest, first (23 days)$1,461.06
Fees + prepaids$13,319.81
Your down payment is the seller’s equity. You take over the $385,156 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $83,163.80 is due at closing. Uses and sources reconcile at $468,319.81 each. Not a Closing Disclosure.